FARMERS BRANCH, Texas (6/12/09)--The Texas Credit Union League (TCUL) is offering REAL Solutions, a payday lending alternative, to empower Texas credit unions help those individuals of modest means and “low wealth.” “REAL” stands for “Relevant, Effective, Asset-building, Loyalty-producing” Solutions. The signature program of the National Credit Union Foundation (NCUF) works through state credit union leagues to help credit unions offer services that have proven successful for people of modest means and “low wealth.” About 20% of credit union members use payday lenders, according to the league (LoneStar Leaguer June 10). REAL Solutions is currently offered through select credit unions statewide at no cost through a grant from the Texas Credit Union Foundation. Credit unions’ enrollment in the program is for a limited time, but includes access to the upcoming REAL Solutions partner meeting at the TCUL offices in Dallas on June 25. At the meeting, participants will study successful payday lending alternative models and vote for the elements they want their Texas payday lending alternative product to have.